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Home » Archives for December 2017

Archives for December 2017

Workers Comp Automation Can Replace Claims Adjusters

December 21, 2017 By JL Risk Management Consultants

Workers Comp Automation – Can A Claims Adjuster Be Replaced? 

Workers Comp automation on reserving, payments, diaries, etc. has been discussed for at least 20 years.  In fact, an article I wrote over 10 years ago covered the accuracy of automated reserving software.    I had forgotten the article in 2007.  I covered automated reserves again in 2009.  

picture of workers comp automation computer CPU

Public License Binary Sequence

The post in 2007 was the first one in this blog to actually go what some would consider viral.   

The article title possibly should have included a question mark at the end.   However, there are factions of people that think Workers Comp claims adjusters could be replaced with software – yes, software packages.   

Let us look at the Top 13 duties of a claims adjuster to see if they can be replaced by workers comp automation over the next few years.   They are: 

1. Investigate claims within 24 – 48 hours after receipt of the First Report of Injury. – This task could not be automated whatsoever as human intervention would be required.   The only automation here is basically already in place.  The supervisor can track what of the three-point contact the adjuster performed timely.   The claims adjuster can track what duties they have performed on which claims. 

2. Provide benefits to injured employees.   I would have to give this one to automation – except someone has to input the proper amounts into the software – that being the claims adjuster.   

3. File proper forms with State WC Board.   This has to be one of the more automated tasks I have seen lately. As with #2, someone has to input the proper amounts and data into the software to make sure the right information is filed with the respective state’s Workers Compensation Board.  Automation can help with making sure the forms are filed timely.  

4. Set initial reserves on new claims and review reserves on established claims (usually for increases).   This area creates more hotly debated items than almost anything in claims adjusting.    Check the two links in the first paragraph.  I ran into a state fund that was using automated reserving software at the time.   The results were far off from what I had expected for the file reserves.  

2019 update – Please note that claims analytics still cannot automatically set accurate reserves.   I have reviewed sackfuls of software at conferences that claim to assess reserves properly.  If someone has come across a good auto-reserving system, please contact me.  

nursing of workers comp automation have a rehabilitation center

Wikimedia Commons by satish23reddy

5. Pay bills on claims (medical, rehabilitation, defense attorney).   This task can somewhat involve Workers Comp Automation,   The claims adjuster still needs to review the bills to make sure they are appropriate for payment.   Automated payments should still have the adjusters making sure the payments are justified before releasing the funds.  

6. Settling claims.   Someone at a booth in a big conference showed me software that could estimate the amount recommended for settlements.   I asked 20 – 30 questions about how can the software know the adjuster – claimant relationship (which is very important).  Presentation over.  I guess I should have just sat there.  Oh,  well. 

7. General clerical functions.  This one has to go with workers comp automation.   A large portion, not all, of the claims administrative functions can be automated with the proper software/apps.   I have seen many posers whose software was not great in this area.  Others were better than great. 

8. Completion of periodic claims status reporting to insureds, carriers and/or reinsurers  Loss run automation by carriers and TPA’s have improved this area over the last 10 – 20 years.  As with most automated tasks, the adjuster still has to input the data required to complete these types of reports. 

9. Maintaining up-to-date file documentation of any development on the claim including phone calls, correspondence received and sent, review of medical notes, etc.   The Workers Comp automation involved is very limited.   The adjuster has to add the documentation into the file.   The automated processes here would be scanning in some of the documents. 

 Please note –  emailing is a huge help to the claims adjusters and to any outside parties including the employer.   The sender and claims department recipient will both have a document that can be added to any notes system.   A phone call means the adjuster and caller have to input the conversation into the notes for documentation purposes = double work.

10. Minimum of monthly reviews of the claims (via diaries) to assure claim is proceeding accordingly toward closure. Maintain and update periodic action plans to move the claims toward closure.    The theme of this duty concerns pushing the file to closure ASAP.   Once again, workers comp automation enables the adjuster to have assistance from diaries on when to perform the reviews.  Unless I am mistaken, there exists no software that can perform this critical function.   

Action plans could be derived from the claim notes and statutes.  Once again, the claims adjuster has to input the action plan information.  The automated processes would provide a due date for the action plans.  

11. Authorize and schedule medical appointments for the injured employees and follow up for receipt of medical documentation including work status reports.   AI could possibly schedule and authorize medical appointments and possibly check the incoming medical report scans for work status reports if the reports from the medical providers were heavily structured.  

One again, the timing of these tasks could be helped greatly by automation.   The actual tasks would be accomplished by the claims adjuster or the support staff.  

12. Follow up with employers to determine if work is available for the injured employee (limited duty or full duty) and/or assign vocational rehabilitation to assist the claimant in finding alternative work to lessen exposure.

As with many of the listed adjuster tasks, automation would assist the adjuster, not replace them totally.  Automation could assign the vocational expert by region or type of employment.  

13. Review files for reserve reductions or closings.  

A few carriers and TPA’s automated this task for medical-only claims.  If after some time period passes, with no activity, the medical only claim closes itself out.   I have seen very few problems with this scenario other than clams festering.   

An adjuster rarely reduces the outstanding reserves on a file unless the file closes.   Workers’  comp automation cannot reduce the reserves without adjuster input.  Once again, the reserve reduction time could be aided by the system flagging those claims.   However, how does the system know how much to reduce claim reserves? 

Automation = Adjuster Aide Not A Replacement

Above is the largest article I have ever written for this blog.   Each task’s automation shows that AI can enhance a claims adjuster’s performance.  However,  at this time, automation cannot replace any adjusters. 

Please excuse any grammatical mistakes – I did not have time to review it before releasing it. 

In the future, I may change some of these tasks aided by workers comp automation.  

2019 Update

None of the above 13 tasks have replaced any of the adjusters yet.   The Provide Benefits task helps the adjuster but does not replace him/her.    The technology of the 1990’s aids claims adjusters in their daily tasks.   Allowing access to bill payments and benefit payments have reduced the need for so many phone calls.   Adjusters have not yet fallen victim to worker’s comp automation. 

2020 Update

Claims analytics discussions happen often in the Workers Comp world yet today.    This area of workers comp automation still falls short. 

©J&L Risk Management Inc Copyright Notice

 

Filed Under: claims adjuster Tagged With: auto-reserving system, automation, claims analytics, clerical functions, grammatical, vocational case

Workers Comp Loss Prevention Throughout Claim = Loss Reduction

December 19, 2017 By JL Risk Management Consultants

Workers Comp Loss Prevention Should Never Stop

Workers Comp loss prevention and claims loss reduction should be considered as the same function – just more defined. 

money barrels workers comp loss prevention money

Wikimedia Public Use License

When I present at safety or risk management conferences, one of the subjects I cover is the continued involvement of the safety officer or staff even after a claim occurrence.   Why?  

Many times, the handling of the claim for an employer is passed to someone in the human resources or other associated department.   Some of the same safety techniques  could be applied to claims handling – in other words safety on the back end of the claim instead of only on the front end.  I have been writing on this subject for over 10 years.   Check the first link in this article as it points to an article written in 2007. 

The common post-accident term is loss reduction.   Most claims have everything set in place within 48 hours. 

  1. The accident has been reported to the employer.
  2. The treating doctor is chosen and the first visit has occurred.
  3. A determination has been made on whether the injured employee can return to work. 
  4. The injured employee experiences good, bad, or indifferent treatment by his/her employer. 
  5. The proper forms have been filed with the Workers Comp Commission or Board.
  6. The safety and risk management departments usually have the most knowledge concerning the prior four five bullet points.

The first four resulted in my Six Keys To Workers Comp Savings that I wrote in this blog 10 years ago.  

Why should the safety department concern themselves with post-accident safety?  Safety and Risk Management has long since been judged on the level of the Experience Modification Factor (E-Mod or X-Mod).    While it is best in keeping an accident from ever happening, the back-end of the process should have them interested in how the adjuster views the employer’s internal handling of the safety and claim process. 

©J&L Risk Management Inc Copyright Notice

Filed Under: Loss Control, Safety Program E-Mod Tagged With: bullet points, involvement, loss reduction, post-accident

Workers Comp Call or Email – #1 for 2017 Is No Surprise

December 14, 2017 By JL Risk Management Consultants

Most Popular Workers Comp Call or Email We Received in 2017

The Workers Comp call or email we received most in 2017 actually came from Risk Managers or business owners.

old dyna workers comp call phone

Wikimedia Public License – Redrum0486

The company had a premium audit coming up in the next few weeks or days.  Some of the calls or emails came in when the premium auditor was onsite for the yearly premium audit.   

The employer works with subcontractors and was concerned that the IRS Form 1099 subcontractors were going to be counted as workers..  The premium auditor had often informed the Risk Manager or business owner that even though the subcontractor had their own policy, they were still going to count them as employees.  (Wow, what?)

The employer had provided Certificates of Insurance (certs) for all subcontractors to the premium auditor.  Why would the subcontractors then be counted as employees?   One of the red flags in this situation is if the premium auditor says all subcontractors are to be counted as employees, not just certain ones. 

Why would the premium auditor do this if they have a cert if front of them?  The answer is Ghost Policies.   A ghost policy comes from a business owner that buys a policy for just themselves and then excepts (removes themselves) as the business owner from the policy.  Some states have ruled these policies are fine.  Most do not allow them. 

We receive at least one call per week or more from a small contractor looking for a ghost policy.   We are not agents so we tell them to check with their local agent that has procured policies for them in the past.   Experienced workers comp premium auditors can see ghost policies from a mile away.

We recently (since July) had received a number of calls where the premium auditor would not accept any certs.  That is not necessarily correct unless all the certs you have are ghost polices.   The now-defunct Jim Walter Homes had a way to take care of certs that were unique and were a win-win-win for the insurance carrier, employer, and subcontractor. 

An additional recommendation comes from dealing with expired or questionable certs.   The article in this link contains a method to combat having expired certs that takes just a few minutes of an employer’s time.

If you want to know who is a subcontractor and who is an employee, the article at this link covers it very well.

My final recommendation is to be aware of the Ladder of Insurance where you may be insuring workers that your company may not even be aware they are your employees.  

One wonders what will be the most popular subject for the 2018 Workers Comp call or email. 

©J&L Risk Management Inc Copyright Notice

 

Filed Under: subcontractor Tagged With: Form 1099, jim walter homes, win-win-win

Top 10 2018 Self Insured Resolutions For Workers Comp

December 13, 2017 By JL Risk Management Consultants

Top 10 2018 Self Insured Resolutions

The Top 10 2018 Self Insured resolutions are based on the 2017 and 2016 resolutions.    Searching the world resolution in the search box at the top right of the page bring us a long list of resolution articles.    

Mexico City 2018 Self Insured Resolutions

Wikimedia Commons – Eneas De Troya

The 2017 resolutions were:

  1. Obtain and know your LDF (Loss Development Factor)  
  2. Working relationship with adjusters
  3. Use email – not phone calls
  4. Conquer Your TPA expenses
  5. Watch the Learning Curve for Accident Spikes
  6. Use online access when available
  7. Attend A Workers Comp or Safety Conference 
  8. Subscribe to our weekly Newsletter
  9. Obtain Your Loss Runs 
  10. Write an article on Workers Comp . 

A fuller explanation of the terms are in the 2017 article.     The 2018 resolutions are:

  1. There is nothing wrong with not being Self Insured – Many companies and organizations think that once a certain level of success and growth has been attained, self insurance for Workers Compensation should soon follow.   We have often discouraged companies from becoming self insured and even helped self insureds convert to another line of insurance for their coverage.

    Hand Showing 2018 Self Insured resolutions Dollars

    Public Domain By At.morey.tota

  2. Construct a Request For Proposal (RFP) for your Third Party Administrators (TPA’s) – governmental agencies are tasked with this requirement.  There is a reason for that requirement – to obtain the best possible value.  
  3. Unbundle your required services with multiple RFPs for such providers as rehabilitation nurses, bill review, pharmacy, etc.  Even though this is hellish at first, the future dividends are usually great.
  4. Have the ability to ad-hoc  print your loss runs – monitoring the claim payouts is critical.  Remember, the adjuster is spending directly from your budget account.
  5. Having a Working relationship with adjusters  to monitor claims closely.   This is a holdover from 2017.  It was very important for self insureds many years ago.  The working relationship is still important now.  A red flag is that you do not know the names of the adjuster or adjusters handling your files. 
  6.  Keep in mind each state in which you operate has its own set of minimum rules for being self-insured – for companies considering becoming self insured.   One very common minimum is $500,000 of liquid assets in that state.   You may have to be self insured in certain states but have another policy for your non-self insured states.
  7. An alternative to LDF’s – Loss Development Factors is SynthMods(R).   We calculate those for self insureds.  They are basically E-Mods instead of LDF’s.  SynthMods rate your company with the Experience Mods like you were still in a regular workers comp policy.   They are an alternative to LDF’s.  
  8. Understand all your TPA expenses.  That is a holdover from last year’s resolutions.   That is why I suggest in #3 above to unbundle all your TPA’s expenses.  Examine each service provided as a separate total.
  9. Take your self insured program in- house.   This is the most labor intensive recommendation.  However, having an internal claims staff can save a large amount of budget.   A caveat – watch the Law of Large Numbers here.   You need to have a large workers comp budget to do the claims in-house
  10. Go back and read all the resolutions I have written.  Even if the resolutions are not specifically for self insureds, you can glean great information.  The resolution search is  here.
  11. Bonus – Full online access to your claims including reserving and adjuster notes will save many phone calls and emails to the adjusters.  The more you know about your claims, the less budget will be used for your claims.   In other words, the more you pay attention, the more claim payouts will naturally fall over time.

There are many more resolutions which could be added to the list.   Good luck with your 2018 self insured resolutions.

©J&L Risk Management Inc Copyright Notice

Filed Under: self insurance Tagged With: 2016 resolutions, budget account, claims in-house, hellish, Request for Proposal, SynthMods

Certified Return Receipt Mail – Old School Workers Comp Life Saver

December 7, 2017 By JL Risk Management Consultants

Certified Return Receipt Mail – Workers Comp CYA

The use of Certified Return Receipt Mail may seem out-of-date in the age of Facebook, Twitter,  etc.   However, when the chips are down, having that little green card in your Worker Comp file is like a stroll on the beach – very comforting. 

Picture of Certified Return Receipt Mail Forms

Self Use License

This article began as one on subrogation and ended up covering more ground.  I have often heard recently that emailing a Workers Comp form or letter is the same thing as mailing it.   You may want to check that statement as having the recipient’s signature verifying receipt of a letter you mailed to them can be very helpful. 

I decided to take a live picture of what one looks like and then send you with a link to the Postal Service on how to fill them out properly.   The mistake most often made with Certified Return Receipt mail is not including your return address on the green postcard.  

You may wish to read the US Postal Service’s pages on Certified Mail.  The file is a PDF worth downloading and reading.

This information may sound juvenile.  However, our file reviews show that very important documents are sent by claim staffs with no way to prove the addressee received it.    My local Postmistress said that Certified Return Receipt mail does not go through the system slower than any other First Class mail.  Obtaining the receiver’s signature may take extra time.  The green signature card is returned to the  sender by First Class Mail.

Make sure that your claims processing manual or supervisor is OK with paying the $6+ in postage. 

USPS Tracking Number Certified Return Receipt Mail First Class Mail

Public Domain By Rick Stambaugh

If the recipient refuses to sign the green return card, that is also noted by the Postal Service.   The many uses for Workers Comp adjusting are (in my order of importance):

  1. Subrogation letters to another carrier or third party.  Using Certified Mail can save you many headaches later if someone says,  “I never received that letter.”  The green signature card may be all you have to save the day later in a subrogation claim.  This has saved me often. 
  2. Workers comp forms – state mandated claim closure forms that do not require the recipients signature may be a good idea.
  3.  A payment with a deadline – many adjusters have at one time had to pay a penalty and explain to their supervisor/manager and even worse- the insured or TPA client why there is a penalty assessed on the file for late payment (bad scene).    Most states have increased the penalties for late settlement payments.  Remember, the date they received it is critical, not when you made the payment.
  4. When a PO Box is involved – UPS and FedEx as a general rule do not deliver to PO Boxes.   I made the mistake many years ago overnighting a check to a PO Box.   I had a lot of explaining to do – see bad scene in #3.
  5. If another party involved says they did not receive something, you may want to send it Certified Return Receipt mail the second time.  Unless you have a bad address, this quickly takes care of the situation.
  6. If someone has bad mail service – there are instances where someone may just not have good mail service to their address.   We sometimes receive mail 15 – 21 days after it was mailed First Class in a neighboring state.   The cheapest tracer is Certified Return Receipt Mail.

If you have sent Certified Mail, you can track the receipt number at the USPS website to see where it is in the mail system.   The one negative on time management is the receipt must be stamped by a Postal Employee to be valid.  

The Postal Service website is a little slow right now with the holiday mail. 

Certified Return Receipt and First Class Mail are registered trademarks of the US Postal System, all rights reserved.

©J&L Risk Management Inc Copyright Notice

Filed Under: Certified Mail Service Tagged With: FedEx, first class mail, green postcard, PO Box, Postmistress, UPS, US Postal Service, USPS

2018 Workers Comp Resolutions – Look Back At 2017 Resolutions

December 6, 2017 By JL Risk Management Consultants

2018 Workers Comp Resolutions Are 2017 Refinements

My 2018 Workers Comp Resolutions must start with, of course, the 2017 Resolutions.  BTW, Self Insureds will be on the dais next week.   So, let us get to it.   The thirteen 2017 resolutions were: (sorry if you have triskaidekaphobia).

Group Of 2018 Workers Comp Resolutions Picture

StockUnlimited

  1.  Understanding the mechanics of the WC process – from the start of the policy renewal until the final premium audit – read everything that has to do with the policy.  Most of the process is laid out in the policy.  A highlighter is your best tool. 
  2. Following the Six Keys to Workers Comp Savings – the prior link has all of them. 
  3. Knowing where every dollar is going when you write a premium check – Old Motto – Stop Just Writing Checks
  4. Having your Workers Comp Rating Bureau Experience Mod Worksheets at your fingertips – can change often in one year. 
  5. Retaining your WC info permanently – electronic media is the easy way to go – scans are best 
  6. Knowing the adjusters that work on your files beyond just a name
  7. Letting the Adjuster know that you follow the Six Keys in #2 above. 
  8. Relating to #1 – Understanding your Unit Statistical Date to not waste time at the end of the year. 
  9. Not renewing policies on January 1st or July 1st. 
  10. Reading the newsletter that J&L provides almost every week.   You may sign up at the top right of this page. 
  11. Bonus – having a working relationship with your agent, not just at renewal.
  12. Another Bonus – take any class or attend any meeting or seminar that your insurance carrier offers to you. 
  13. Last Bonus – Safety is the key to staying out of the Work Comp system. 

2018 Workers Comp Resolutions List

Writing 2018 Workers Comp Resolutions On Notes

Wikimedia – Photos public domain.com

The point by point review of 2017 will help complete the 2018 Worker Comp resolutions list.   Yes, the 2018 Workers Comp resolutions are just making sure you covered the 2017 ones completely.

  1. Grab your policy – the first step in #1 above – Read it.  It is boring.   I agree.   Read it all the way through like a book.   There are many surprises in there such as audit rules.  How about the Endorsements you may have received after the policy commenced?   You may have received many Endorsements.   You cannot go any further until you take this first step.   No, honestly, you have to read the policy.  If you do not have the time, can you delegate the task? 
  2. Print out the Six Keys page from above.  Did you do any of those?  The Keys contain a large amount of premium savings.  Yes, you have my permission to print them.     Those Six Keys take some work.  Once they are in place, the job to sustain them becomes easier. 
  3. Did you understand your Work Comp Premium audit?  If so, then writing the premium check becomes an easier process.   Check with #4 before mailing that premium check. 

    Picture of Woman Holding Files And Pencil

    StockUnlimited

  4. On your premium audit bill, sometimes called a Premium Audit Statement, did you see the Experience Modification premium?  Anything above a 1.0 is a debit mod that costs your company extra premium.   In other words, you have created your own quasi-tax on your company
  5. .  Have you looked at your Experience Mod Sheets?  Check with NCCI, WCIRB, or the appropriate rating bureau or contact us.   Those sheets explain how your Mod was calculated right down to the Total Incurred
  6. Where are your last 5 years of Workers Compensation information?   Did you scan it into a thumb drive?   One day you will thank yourself for doing that one easy task.  You may need to reference it quickly at some time in the future. 
  7. Did you call your Workers Comp adjusters and introduce yourself?   Why not?  That alone can save you premium dollars.   Communication is the key in Workers Comp.  After that first call, email, not text, the adjusters working on the files.   Get their email addresses when you call.   You will be glad to not have to dig for an adjuster’s email address if you need to inform them of a claim development or send them an attachment ASAP.   Emailing is always the preferred contact method as your emails become file documentation for you and the claims adjuster.

    Woman Calculating 2018 Workers Comp Resolutions With Papers

    StockUnlimited

  8. During that conversation, did you let them know that you follow the Six Keys from above?  The first three of the Six Keys are critical for adjusters to know that you are doing those tasks.  
  9. Do you have a claims review scheduled for the end of the year or at policy renewal?   You may be wasting your time.   If you want the reserves lowered, that should coincide with your Unit Statistical Date.   A claims review at renewal does little good, but then again a claims review with the claims staff is never a bad thing to do at any time.
  10. Think of renewing your policy on January 1st or July 1st the same as flying on the Holidays.  The airports are crowded which naturally brings down the service level.    Check with your agent to get the date changed if you renew on those dates.  
  11. The newsletter is a freebie.   You can even look for it on Twitter, LinkedIn, or Facebook.  Signing up for it takes one minute.   I usually write two to three articles a week and throw in a Classic or a post that went viral.  We published the newsletter Thursdays at 2 PM Eastern time.
  12.  The relationship with your agent should not be based on talking to them on the phone a few days before renewal.   You are paying them to address your policy questions.   Do not be shy.   Almost all agents welcome an email every now and then from their clients.  

    Couple With Agent 2018 Workers Comp Resolutions In Apartment

    StockUnlimited

  13. I am writing this while the NWCDC annual conference in Las Vegas is occurring this year.   It is one to attend if you are serious about Workers Comp.  Just be ready for the number of people that attend this conference.   Most carriers offer some type of Workers Comp training.   Even if the training is a webinar, it will always be worth the time spent.  If your carrier offers anything on loss prevention or safety, sign up for it immediately.   Check out this article for 24 free webinars.
  14. The best way to keep a claim from costing your company premiums is by not having a claim in the system.  Safety is the key.  Your Experience Modification Factor can be thought of as a safety score.   The safety score can be much more difficult to change without patience and a long-term view by the company. 

The 2018 Workers Comp resolutions are not anywhere near an exhaustive list.  The resolutions were drawn from what I had in front of me in late 2016 and early 2017. 

The Workers Comp self-insured resolutions will be covered next week.  Many of my Risk Management friends, clients, and acquaintances always remind me to include the self-insurance market.   I have to agree with them that 2018 Workers Comp Resolutions should apply to self-insureds. 

©J&L Risk Management Inc Copyright Notice

Filed Under: Workers Comp Resolutions Tagged With: endorsements, Experience Mod Sheets, unit statistical date, workers comp premium audit

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About Me

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James J Moore
Raleigh, NC, United States

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:
• Risk and Insurance Management Society (RIMS)
• Entrepreneur Magazine
• Bloomberg Business News
• WorkCompCentral.com
• Claims Magazine
• Risk & Insurance Magazine
• Insurance Journal
• Workers Compensation.com
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